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Company Analysis

Columbia Financial, Inc. CLBK

A comprehensive view of key metrics, scores, and financial health for Columbia Financial, Inc.

Overview of Columbia Financial, Inc.

CLBK NMS
Financial Services Banks - Regional Small Cap
Columbia Financial, Inc. (CLBK), is a Small Cap company, in the Banks - Regional industry, last closed at $17.48, about 33.4% overvalued vs fair value, +14.2% 1Y return, ranked 463/1004 in sector.
$17.48
0.29%
As of March 13, 2026
Previous close • Vol 90d: 29.5%
52-Week Range
Market Cap
$1.82B
Enterprise Value
$2.67B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.columbiabankonline...
HQ Fair Lawn, NJ
Fiscal year Dec 31

Next Events

Earnings Apr 30 Estimated

Fair Value Snapshot

Bear Base Bull
$6
$12
$22
Current: $17.48 -33% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$443.8M
13.9%%
Interest Expense
$235.4M
Net Interest Income
$170.4M
-15.1%%
Total Revenue
$507.4M
182.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-1.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
0/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Columbia Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
21
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
17
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CLBK's balance between Growth (77.7%), Profitability (13.4%), and Safety (8.9%). Growth 78% Safety 9% Profitability 13%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

71th percentile vs peers
72
Key Signals
Rev Growth YoY 1.82 96p Asset Growth YoY 5.2% 58p Revenue CAGR 3Y 19.5% 53p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.82, 96th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

12th percentile vs peers
12
Key Signals
Strengths
Risks
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Safety

8th percentile vs peers
8
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Columbia Financial, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$11.65
- - -
-33.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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